I currently have an IRA with an investment firm that is actually well diversified and is doing OK but the firm charges 4% per year. I am 72 and have a modest pension from the military and another from working at the VA. I have SBP on both. I also receive SS as does my spouse. In addition I have several CD's and a small amount in Treasuries. I am considering at this point transferring the IRA so that I can make a 10 year TIPS ladder with about $70k and the remainder of $70k+ in some form of stocks. This would be in a very low cost mutual fund. My expense are such that I have not invaded the admittedly modest IRA of $148k since I retired in 2019. Other than that, I do have cash assets in one form or another of about $50k. This IRA was part of a now defunct TSP that I split off in 2013. It has grown from $75k to its present value. Any thoughts or let it ride? Neither one of us has major health issues at this point although you never know.
Statistics: Posted by jerryc5 — Sat Sep 14, 2024 8:32 am — Replies 7 — Views 309